Pay cashless on the go with TWINT
Open the app, scan the QR code, done. With TWINT, you can easily make cashless payments and keep a constant eye on your finances.
SmartStudents for apprenticeships and studies
Your banking package? It’s on us.
With SmartStudents, you can easily keep on top of your finances while studying or training – with free accounts, cards and useful PostFinance apps. And as student life already costs you enough, we’ll give you 100 francs credit to help you get started.
100 francs to get you started
If you open your first SmartStudents banking package by 31 October 2026, we will transfer 100 francs of starting credit to your new account.
SmartStudents for people in education up to the age of 30
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CHF 0 per month
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- Student account and PostFinance Card with adjustable limits
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- Savings account
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- Funds saving plan from as little as CHF 20/month
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Online banking and the PostFinance App
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Attractive bonus programme from the age of 18
Free prepaid/credit card
Make even more flexible payments with a prepaid card that you top up beforehand, so you have more control of your spending. Or enjoy complete freedom with a credit card.
Student account
- Receive money and spend
- In CHF or EUR
- Preferential interestof 0.10% (up to CHF 25'000)
- Account management with e-financeand the PostFinance App
- Paper-based on request (CHF 5/month)
- Monthly account statement
- Annual interest statement
Savings account
- Put money aside flexibly for all goals great and small
- In CHF or EUR
- Up to the age of 20: youth savings account with interest of 0.25% (up to CHF 25'000)
- 21 and above: savings account with interest of 0.00%
- Withdraw money ten times a year in total from your savings accounts free of charge
PostFinance Card
- Pay in stores and in online shops worldwide
- Set your own limits
- Free cash withdrawals
- Domestic withdrawals: Postomats, ATMs, counters, Migros, Coop Pronto Shops and Denner
- Withdrawals abroad: fees charged by third parties may apply
Credit card
- Available from age 18
- PostFinance Mastercard® Standard or PostFinance Visa Classic
- Free of charge
- Complete control via e-finance and the app
- Push notifications for transactions
- Pay on the go with Apple Pay, Google Pay, etc.
Prepaid card
- Alternative to credit card
- Free of charge
- PostFinance Mastercard® Value with high acceptance worldwide
- The card can be topped up, but not overdrawn
- Complete control over your spending via e-finance and the App
- Push notifications for transactions
PostFinance App and e-finance
- Log in quickly and securely with Face ID or fingerprint
- Free access to your accounts and payments
- Check your account balance and most recent transactions whenever you want
- Adjust settings, data and withdrawal limits easily
- Receive and pay electronic invoices with eBill
- Push notifications
TWINT
- Link the account and start Twinting
- Pay in online shops, at the checkout and at ATMs
- Send and request money between friends and acquaintances
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For card spending and withdrawals, the daily and monthly limits apply. You can set these limits yourself via the PostFinance App or in online banking (e-finance).
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PostFinance offers the benefits of SmartStudents to young customers aged between 18 and 30 who can show proof of education.
For young people under 20, our SmartYoung package is a good choice.
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You can find subscription and order options in the PostFinance App under “Offers” – or online via the following links:
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SmartStudents is free of charge. Avoid fees with ease by paying attention to the following:
- Manage your accounts digitally. We only charge you the CHF 5/month fee for the paper-based option if you expressly request this option when you open the account, or you do so later in online banking (e-finance) or in the app.
- PostFinance will not charge you any fees for cash withdrawals made using the PostFinance Card or by credit card internationally. Third-party fees are, however, possible and are not reimbursed by PostFinance.
- With the savings account, keep to the number of debits and the maximum amount you can withdraw from that account each year free of charge. Ten withdrawals (i.e. transactions, transfers or purchase) a year are offered free of charge, and a maximum of CHF 100,000 without any withdrawal notice on your part. After that, you will incur fees.
- Avoid cash withdrawals with a credit card. You will incur low conversion fees for purchases in foreign currencies.
The link will open in a new window Details about the fees and conditions
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With preferential interest on the youth savings account, you will benefit from the compound interest effect, and will be a step closer to making your dreams a reality.
A funds saving plan is an especially good supplement. This allows you to build up assets on a long-term, systematic basis from as little as 20 francs a month. You can set this up later with ease via the PostFinance App or in e-finance once you’ve subscribed to the SmartStudents banking package.
Simple and secure! Open your banking package as a new customer in just a few minutes, completely digitally.
